The Shelby State Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Whitelake Branch	8238 Whitehall Road, Whitehall Township, MI 49461	View Lobby Hours
Hart Branch	811 South State Street, Hart, MI 49420	View Lobby Hours
Airline Road Branch	6448 Airline Road, Fruitport Township, MI 49415	View Lobby Hours
Pentwater Branch	388 South Hancock Street, Pentwater, MI 49449	View Lobby Hours
Ludington Branch	30 North Meyers Avenue, Ludington, MI 49431	View Lobby Hours
The Shelby State Bank	242 North Michigan, Shelby, MI 49455	View Lobby Hours
Dalton Township Branch	2222 Holton Road, Dalton Township, MI 49445	View Lobby Hours
Hesperia Branch	180 North Division Avenue, Hesperia, MI 49421	View Lobby Hours
Manistee Branch	1710 U.S. 31 South, Manistee, MI 49660	View Lobby Hours
Montague Branch	4525 Dowling Unit25, Montague, MI 49437	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.477%	6.375% 0.50 points $3,448 fees	$1,997	Learn More
NMLS ID: 1067	6.565%	6.490% 0.75 points $2,486 fees	$2,021	Learn More
NMLS ID: 401822	6.770%	6.625% 0.88 points $4,795 fees	$2,049	Learn More
NMLS ID: 401822		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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